Employee Benefits Guide 2026
Stitch PEO is pleased to present this benefits guide exclusively for Ahava Care Group (ACG) employees and their families. This robust package allows you to better prepare for planned and unplanned life events — including dental, vision, disability, life insurance, AD&D, accident, critical illness, and hospital indemnity.
Contact Benefits Team
benefits@stitchpeo.com
What's Inside
1. Eligibility for Benefits
2. Enrollment Windows & Life Events
3. Telehealth Medicine — Doctegrity
4. CIGNA Medical Plans
5. MetLife Dental Coverage
6. MetLife Vision Coverage
7. Short-Term & Long-Term Disability
8. MetLife Accident Insurance
9. Critical Illness Insurance
10. MetLife Hospital Indemnity
11. Voluntary & Basic Life Insurance
12. MetLife Pet Insurance
13. Member Deals & Exclusive Discounts
14. CompareMedsRx — Prescriptions
15. LifeConcierge (Overalls)
16. Know Your Benefits
17. Medical Rates (Pre-Tax)
18. Dental, Vision & Accident Rates
19. Enrollment Checklist
20. Questions & Contact
Are You Eligible for Benefits?
Benefit eligibility varies by employee classification (Full-Time/Part-Time), tenure, and benefit type. For all New Hires after 1/1/2026, medical coverage begins the First of the Month Following 30 Days from Date of Hire.
Legal Spouse
Your IRS-recognized legal spouse
Children (to Age 26)
Natural, legally adopted, or disabled dependent children
QMCSO Dependents
Children covered under a Qualified Medical Child Support Order
Please email benefits@stitchpeo.com for additional eligibility information. Certain limitations apply.
When Can I Enroll or Make Changes?
Enrollment Windows
Benefit elections can be made during your New Hire enrollment period and during Open Enrollment. You may change plans or add/drop coverage. Changes made during open enrollment remain in effect until the following open enrollment period.
Qualifying Life Events
You have 31 days from the date of a life event to submit an enrollment change request and documentation to benefits@stitchpeo.com. Otherwise, wait until the next annual open enrollment.
Carrier contact: MetLife 1-800-GET-MET8
Loss of Coverage
Got Married
Had a Baby
Turned 26
Moved to a New State
Telehealth Medicine — Doctegrity
Doctegrity connects you with Board-Certified doctors and licensed Mental Health Therapists providing consultations over the phone or through video chat — 24/7/365, nationwide. No insurance needed. Available to all employees and their whole families with no co-pays or surprise bills.
eHealthcare
Speak to a Board-Certified Physician via video or phone and get a prescription if needed
Pharmacy Discount
Save up to 80% on prescriptions — even pet medication! Up to 80% off lab tests, no doctor order needed
Mental Health Therapy
Talk or text a licensed therapist 24/7/365. True short-term therapy with 100% follow-ups with the same therapist
Beyond Healthcare
Financial consultations, attorney consultations, medical bill help, and medical diagnosis support
Call: 877.342.5152 | Email: Hello@doctegrity.com | Web: www.Doctegrity.com | Cost: $0 (100% Employer Paid)
Medical Benefits
Cigna Medical Plans
Cigna is a global health services company recognized for its strong focus on preventive care, affordability, and whole-person well-being. With a broad national network of providers, Cigna offers employees access to high-quality medical care, behavioral health support, and a range of digital tools that make managing benefits simple and convenient. Members benefit from virtual care options, personalized wellness programs, and 24/7 customer support — all designed to create a more connected, proactive, and supportive healthcare experience.
Plan Information
Dental Benefits
MetLife Dental Coverage
Everyone should have access to great dental coverage. Poor oral health has been linked to diabetes, heart disease, and strokes — making regular dental visits essential, not optional.
Preventive Services — 100%
Oral exams (once/6 months), cleanings, x-rays, fluoride treatment, space maintainers, sealants
Basic Services — 80%
Fillings, periodontal services, scaling & root planing, simple extractions, root canals, general anesthesia
Major Services — 50%
Bridges & dentures, single crowns, complex extractions, implants, inlays & veneers
Orthodontia
$1,000 lifetime maximum | Annual maximum: $1,000 | Lifetime deductible: $100 individual / 3x family
Out-of-network reimbursed at UCR 90th percentile. Dependent age limit: 19 (end of month).
Vision Benefits
MetLife Vision Coverage
Vision insurance helps protect the health of your eyes by providing benefits often not covered by medical insurance. Coverage renews every 12 months for exams, lenses, and contacts — and every 24 months for frames.
Disability Benefits
Short-Term & Long-Term Disability
If you rely on your income to pay everyday expenses, disability insurance is essential. Accidents and illness happen unexpectedly — disability coverage ensures you receive partial income if you're too sick or injured to work. Many disabilities are caused by common conditions like heart disease and arthritis, and are not covered by workers' compensation.
Short-Term Disability — Guardian
  • Coverage: Up to 60% of salary, max $1,500/week
  • Maximum benefit period: 13 weeks
  • Benefits begin: Day 8 of disability
  • Premium waived while receiving benefits
  • 100% Employer Paid for full-time employees
Long-Term Disability — MetLife
  • Coverage: 60% of salary, max $8,000/month
  • Maximum benefit period: Social Security Normal Retirement Age
  • Benefits begin: Day 90 or end of STD maximum benefit period
  • Pre-existing condition limitation: 3/12
  • 100% Voluntary Employee Paid
Accident Insurance
MetLife Accident Insurance
No one plans on getting injured — but accidents happen every day, including sports-related accidents. An injury that hurts an arm or leg can hurt your finances too. Accident insurance pays cash benefits directly to you, regardless of other coverage you have.
Two Plans Available
Choose Basic or Preferred coverage. Pays quickly when you report your first covered claim. Spouse coverage available (cannot exceed employee amount).
Sports Package
Benefits increase 25% for injuries resulting from participating in organized sports. Some exclusions apply.
Benefit Features
Guaranteed issue, no health questions. No pre-existing condition exclusions. Portable — keep coverage if you change employers.
Critical Illness
Critical Illness Insurance — Protection When You Need It Most
Heart attacks, cancer, and strokes happen every day — often unexpectedly. Your health insurance may cover some costs, but not everything. Critical illness insurance closes the financial gap and helps you manage expenses when it matters most.
40s
Heart Attack Frequency
Someone has a heart attack every 40 seconds in the U.S.
$10K+
Cancer Out-of-Pocket
Annual out-of-pocket costs for 60% of cancer patients exceed $10,000
60%
Americans Unprepared
60% of Americans can't cover an unexpected $1,000 expense

Two plans available with coverage limits of $15,000 and $30,000. Premium determined at time of enrollment.
Hospital Indemnity
MetLife Hospital Indemnity Benefits
Hospital Cash is hospital indemnity insurance that pays benefits directly to you, regardless of other coverage. If your medical plan has a high deductible, you may need the cash — especially with the average hospital stay lasting 4.6 days and costing $13,000.
Guaranteed Issue
Active employees age 18+, spouses/partners age 18+, and children through age 26 are eligible. No medical history required.
Renewable & Portable
Coverage renews automatically while you're an eligible employee. Keep your coverage even if you change jobs or retire.
No Pre-Existing Exclusions
There are no pre-existing condition exclusions — coverage applies from day one.
Life Insurance
Voluntary & Basic Life Insurance
Basic Life — Guardian
$25,000 employer-sponsored life insurance plan (must be enrolled in medical benefits). Protects your family from financial vulnerability in the event of a premature death.
Voluntary Term Life — MetLife
  • Employee: $10,000 increments up to $500,000; guaranteed issue up to lesser of 3x earnings or $100,000
  • AD&D: Maximum 1x life amount included
  • Spouse: Up to $25,000 guaranteed issue
  • Child: Guaranteed issue up to $10,000
  • Portable — take coverage with you if you leave employment (restrictions apply)
Most families need 6–10 times their income in coverage to maintain their current lifestyle. Life insurance can cover mortgage payments, legal or medical fees, childcare, tuition, and outstanding debts.
Pet Insurance
MetLife Pet Insurance
Pets are family, and vet bills can be emotionally and financially stressful. MetLife Pet Insurance offers award-winning coverage with more flexibility than other carriers.
More Coverage & Value
Covers previously covered pre-existing conditions when switching providers. Family plan covers up to 3 pets under one annual limit — savings up to 30%.
Choice & Flexibility
Wider range of deductible and reimbursement options. Optional Preventive Care Coverage for vaccines, heartworm, flea medications, and teeth cleanings.
Simplified Service
Easy-to-use mobile app to submit and track claims. Most claims processed within 5 days. Knowledgeable pet advocates available to assist.
20
Years of Experience
75
Relationship NPS Score
80%
Claims Processed in 5 Days
Work-Life Support
LifeConcierge (Overalls)
LifeConcierge provides employees with a dedicated personal assistant to help manage daily tasks and life's demands. This valuable benefit aims to reduce stress and free up your time, allowing you to focus on what matters most, both at work and home.
Appointment Management
Scheduling personal, medical, or auto appointments so you don't have to.
Travel Planning
Assistance with booking flights, hotels, and activities for business or leisure trips.
Home Services
Finding trusted plumbers, electricians, or cleaners for home maintenance and repairs.
Everyday Errands
Handling tasks like dry cleaning, grocery orders, or post office runs.
Perks & Programs
Member Deals — Exclusive Discounts
As a Stitch PEO member, you have access to MemberDeals — exclusive discounts, special offers, and preferred seating for top attractions, theme parks, sporting events, movies, hotels, and much more.
Travel
Hotels, rental cars, flights, and vacation packages
Theme Parks
Walt Disney World, Universal Orlando, Knott's Berry Farm, Legoland, and more
Sports & Events
NBA, NHL, NFL, college football, concerts, and major events with preferred access
More Savings
Ski resorts, movie tickets, shopping deals, shows, and CityPASS bundles
Need help booking? Call (877) 579-1201
Perks & Programs
CompareMedsRx — Prescriptions at Better Prices
All Stitch PEO clients have full access to CompareMedsRx, a comprehensive online platform designed to help you easily compare prescription medication prices across different pharmacies — empowering you to make informed decisions and find the most cost-effective options for your healthcare needs.
Compare Prices Instantly
Search and compare medication costs across pharmacies in your area to find the best deal available to you.
Maximize Your Savings
Identify the most cost-effective options for your prescriptions and reduce your out-of-pocket healthcare spending.
Included for All Clients
This invaluable resource is available to all Stitch PEO clients at no additional cost as part of your benefits package.
Things to Consider
Know Your Benefits
1
Review All Benefits Carefully
Benefits are a big part of your total compensation. Make elections that fit your personal or family's needs to get maximum value from your benefit plans.
2
Choose Your Benefits Carefully
Your elections will remain in effect until the next open enrollment period, unless you experience a qualifying status change event.
3
Collect Social Security Numbers
Health insurers are required to report health plan member information to the IRS annually, including Social Security numbers. Have SSNs ready for each dependent you enroll.
Rate Sheet
Medical Rates (Pre-Tax)
Rates listed are monthly employee out-of-pocket net of your Employer's contributions towards your Medical Plan premiums. This will be deducted in two equal payments in the first two payroll in each month — no deductions on the 3rd payroll of the month.
Rate Sheet
Dental, Vision & Accident Rates
Rates listed are monthly — no deductions on the 3rd payroll of the month.
Dental (Pre-Tax)
Employee Only and Employee & Spouse: 100% Employer Paid
Vision (Pre-Tax)
All Tiers: 100% Employer Paid
Accident (Post-Tax)

Short-Term Disability: 100% Employer Paid for full-time employees of all tenure.
Long-Term Disability: 100% Voluntary Employee Paid.
Telehealth (Doctegrity): 100% Employer Paid.
Life Conceirge (Overalls): 100% Employer Paid. Critical Illness: Plans at $15,000 and $30,000; premium at enrollment.
Basic Life: $25,000, must be enrolled in medical. Voluntary Life premiums determined at enrollment.
Your Benefits Enrollment Checklist
Complete your enrollment on time — New Hire medical coverage begins the first of the month following 60 days from your date of hire. All other benefits have a 90-day wait period. For questions, contact benefits@stitchpeo.com.
Questions? We're Here to Help.
This plan overview is a brief description of available benefits. Please refer to the full plan documents or contact your Benefits Administrator for complete descriptions and information.
Benefits Questions
Telehealth — Doctegrity
MetLife
1-800-GET-MET8
(1-800-438-6388)
Member Deals Booking
(877) 579-1201
Benefits are a big part of your total compensation. Make the elections that fit your personal and family needs — and get the maximum value from your Stitch PEO benefits package.